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However, there are consequences for failing to file a tax return that you should be aware of. Why filing taxes is importantLegal obligationsFirst things first: Do you even need to file a tax return? However, you are required to file a tax return if you have $400 or more in net self-employment income. FAQs on what happens if you don't file taxesHow long can I go without filing taxes? If you don't file a tax return and don't owe any taxes, you have up to three years to claim any refund that might be due.

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☆ Intel says it's bringing back free office coffee to boost morale after a rough year
▼ + stars: | 2024-11-07 | by ( Lauren Edmonds | ) www.businessinsider.com time to read: +4 min

Intel is bringing back free beverages for its employees at worksites. AdvertisementIntel will once again offer free coffee and tea to its employees after slashing the perks as part of its cost-cutting efforts. The chip manufacturer said free in-office beverages would return to worksites in an internal message in a bid to improve morale, the Oregonian reported. Intel told employees it would stop providing free beverages and fruit at worksites. a former Intel employee told BI.

Persons: —, Paul Otellini, OpenAI, Bob Swan, Jaque Silva Organizations: Intel, Service, Oregonian, Business, Apple, Nvidia, Reuters, Getty, Samsung Locations: worksites, OpenAI, Oregon

☆ Banks and the federal government point fingers as Americans lose billions to online scams
▼ + stars: | 2024-11-03 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +4 min

The American Bankers Association is urging federal action on online financial fraud. Banks and the federal government are in a similar situation, pointing to each other to solve the problem of online financial scams. For its part, the government wants banks to take on more responsibility, and more consistently refund their customers who fall victim to online scams. According to the Federal Trade Commission, consumers reported more than $10 billion in losses last year from online scams. He also said that the government should create "financial crimes intelligence centers."

Persons: Banks, ABA's, —, It's, Rob Nichols, Nichols, Forbes, JP Organizations: American Bankers Association, Service, Federal Trade Commission, Consumer Financial Protection Bureau, JP Morgan, Bank of America, FTC Locations: Wells Fargo, Texas

Sales of single-family homes were down 12% in September compared with the same time in the previous year. But interest rates, rising home prices and skyrocketing insurance costs likely played bigger roles than the recent hurricanes. “Florida recovers much faster than you think,” said Brad O’Connor, chief economist for Florida Realtors. Because of stricter building codes implemented in the years after Hurricane Andrew devastated South Florida in 1992, newer homes withstand hurricanes better than older ones, O’Connor said. The number of households dropped from about 340,000 to about 326,000, according to the U.S. Census Bureau.

Persons: ”, Brad O’Connor, Hurricane Andrew, O’Connor, ‘, Hurricane Ian Organizations: Florida Realtors, . Census, Van Lines, Associated Press Locations: Florida, South Florida, Lee County, Fort Myers, United States

☆ Convenient No More: Why CVS, Walgreens, 7-11 Are in Trouble
▼ + stars: | 2024-10-21 | by ( Emily Stewart | ) www.businessinsider.com time to read: +14 min

What's more, many pharmacies serve as a convenient destination for all sorts of essentials, from aspirin to mascara. Big chains like Walgreens and CVS make their money in two main ways: selling prescriptions in the back of their stores and selling everyday goods out front. As Walgreens and CVS stores have proliferated over the past decade or so, many of their locations are basically right on top of each other. On the other end of the business, pharmacies are expensive to run. In the current landscape of commoditized pharmacies, there's no such thing as personalized service.

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☆ The government is getting fed up with ransomware payments fueling endless cycle of cyberattacks
▼ + stars: | 2024-10-18 | by ( Barbara Booth | ) www.cnbc.com time to read: +7 min

Zeroing in on cyber insurance as a key area for reform comes as the U.S. government scrambles to find ways to disrupt ransomware networks. For many organizations, deciding whether to pay a ransom is a difficult and urgent decision. The hacker group allegedly demanded a ransom to return the stolen data, though it remains unclear whether NPD paid it. Darren Williams, founder of BlackFog, a cybersecurity firm that specializes in ransomware prevention and cyber warfare, is firmly against paying ransoms. UnitedHealth Group experienced this firsthand after its subsidiary, Change Healthcare, was hit by the ALPHV/BlackCat ransom group in April 2023.

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Walgreens said Tuesday it plans to close 1,200 stores over the next three years as it seeks to further downsize its footprint amid flagging sales and changing consumer behavior. Walgreens announced the closures as part of its fiscal fourth-quarter and full-year earnings, which beat Wall Street's expectations. In June, Walgreens said it planned to close a “significant” number of its underperforming stores by 2027. Both Walgreens and rival CVS are facing a difficult operating environment, fighting to be profitable as consumers shift their habits. In 2021, CVS said it would close about 900 stores, or about 10% of its U.S. locations, from 2022 to 2024.

Persons: Tim Wentworth, ” Wentworth, ” Neil Saunders Organizations: Walgreens, CVS, Rite Aid, Pharmacy, CNBC Locations: U.S

You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. The exceptions are flights to South America, as well as transatlantic and transpacific flights, which allow a carry-on bag. Spirit AirlinesFees for checked and carry-on baggageSpirit charges varying fees for checked bags and carry-on bags. Opt for a carry-on bag whenever possible, as most airlines allow at least one free carry-on bag. Oversized bags: Fees for oversized bags depend on the bag's dimensions.

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☆ UnitedHealth forecasts 2025 profit below Street estimates, shares fall
▼ + stars: | 2024-10-15 | by ( ) www.cnbc.com time to read: +2 min

UnitedHealth Group provided a 2025 profit forecast below Wall Street estimates on Tuesday, saying it expects pressure across its government-supported health insurance businesses, and its shares fell 9%. The largest U.S. health insurer forecast a profit of as much as $30 per share. UnitedHealth's third-quarter medical costs also exceeded Wall Street estimates as the insurer paid out more due to persistently high demand for healthcare services while receiving lower reimbursements on government-backed plans. The company also trimmed the higher end of its 2024 adjusted profit forecast by 25 cents to $27.75 per share. Despite the rise in medical costs, UnitedHealth beat Wall Street estimates for adjusted profit by 15 cents due to increased memberships across its businesses.

Persons: Andrew, UnitedHealth Organizations: UnitedHealth, Medicare, CVS Health, Wall Locations: United States

City officials haven't yet tallied up what the Trump campaign owes Erie for public safety costs for his most recent rally in September. The five localities that spoke to NBC News have sent their bills to the Trump campaign. Four years later, the Trump campaign hasn't paid. The unpaid bills go back even further for Spokane, Washington, which wants the Trump campaign to pay for costs incurred in a May 2016 visit, before Trump officially became the Republican nominee for president. Similarly, Erie's bills were to cover police, fire and public works personnel overtime, according to city spokesperson Rob Lee.

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☆ Pharmacy deserts are appearing across U.S. as drug stores closures spread
▼ + stars: | 2024-10-11 | by ( Kevin Williams | ) www.cnbc.com time to read: +12 min

"As long as the big three PBMs go unchecked, more pharmacy deserts will appear," Rochol said. Between 2023 and 2024, independent pharmacies in the CVS Caremark pharmacy network were reimbursed 67.5% higher on average than CVS Pharmacy locations, and 51.9% higher than other chain pharmacies in the state. The CVS spokesman also said that CVS pharmacies are not all serviced by Caremark, working with over 70 different PBMs. "There are unfortunately many factors for pharmacy closures in rural areas, including population declines and the growing use of online pharmacies." But Banas believes the pharmacy deserts will only grow, and lead to an increase the number of apps and digitization.

Persons: Rochol, Miranda Rochol, Health —, —, Joyce Dingman, wasn't, Nickerson, David Nickerson, Tim Wentworth, Greg Lopes, Steven C, Anderson, Colin Banas, Banas, it's, Tamera Hughes, Hughes, Rob Anderson Organizations: FTC, Health, Federal Trade Commission, Aids, Rite Aid, CVS, Walgreens, Cigna, Walgreens Boots, CVS Pharmacy, Caremark, Pharmaceutical Care Management Association, National Community Pharmacists, National Association of Chain Drug, U.S, Congress, Amazon, University's, of Pharmacy, Pharmacists, Aid Locations: United States, PBMs, New Lebanon, Ohio, Dayton, New Lebanon's, Rust, New Lebanon , Ohio, Georgia, NACDS

☆ FEMA was strapped for cash even before America's hurricane double whammy
▼ + stars: | 2024-10-10 | by ( Catherine Boudreau | ) www.businessinsider.com time to read: +8 min

FEMA for two months had to pause $9 billion meant for communities still recovering from past disasters. In this case, for nearly two months, FEMA hoarded $9 billion to make up for delayed funding from Congress. But Biden-administration officials warn of another shortfall as soon as January, especially after Hurricane Milton slammed into the Tampa area late Wednesday. "So if FEMA delays reimbursements, local governments have to bear those costs, and they may put off recovery efforts. FEMA officials have repeatedly said they have enough resources to respond to Hurricane Helene and now Hurricane Milton but declined to specify how much disaster aid remained available.

Persons: Milton, Helene, Hurricane Milton, Biden, Craig Fugate, Obama, Carlos Martín, Martín, Yucel Ors, Joe Biden, Mike Johnson, Hurricane Helene, Johnson, Ors Organizations: Hurricanes, FEMA, Service, Federal Emergency Management Agency, Hurricane, FEMA doesn't, Harvard University, National League of Cities, White, Republican, Fox Locations: Florida, Hurricane, Vermont, California, Pacific, Tampa, Washington, Louisiana, Milton, North Carolina , Georgia, South Carolina , Florida , Tennessee, Virginia, Asheville , North Carolina, Asheville

☆ Fact check: Amid bipartisan praise for Biden hurricane response, Trump falsely claims reviews are ‘universally’ negative
▼ + stars: | 2024-10-03 | by ( Daniel Dale | ) edition.cnn.com time to read: +4 min

The Biden administration’s response to the hurricane has received bipartisan praise from political leaders in affected states. But Trump’s assertion that reviews for the Biden administration’s handling of the crisis have been entirely negative is not true. And this is just the latest Trump false claim on the subject of the administration’s hurricane response. Brian Kemp hadn’t been able to get Biden on the phone, though Kemp had said the same day that he had already spoken to Biden. Praise from Republican governorsVarious Republican governors in the southeastern states hit by Hurricane Helene have praised the Biden administration’s response, sometimes naming Biden in particular.

Persons: Donald Trump, Hurricane Helene, Joe Biden, Kamala Harris “, Trump, Biden, Brian Kemp hadn’t, Kemp, Trump baselessly, Roy Cooper, Henry McMaster, “, Pete Buttigieg, Deanne Criswell, Glenn Youngkin, Bill Lee, Lee, North Carolina Cooper, Cooper, “ We’re, ” Cooper, Harris, Esther Manheimer, ” Organizations: Washington CNN, Biden, Georgia Gov, Democratic, Republican South Carolina Gov, Transportation, McMaster, Federal Emergency Management Agency, Republican Virginia Gov, FEMA, Republican Tennessee Gov, North, MSNBC Locations: Hurricane, North Carolina, Carolina, Asheville

Low-income families who are robbed of their grocery funds may no longer get reimbursed if Congress doesn’t act by Sept. 30. Since late 2022, states have been authorized to use federal dollars to pay back victims of SNAP skimming thanks to a provision passed by lawmakers. Dutch Ruppersberger, D-Md., who has advocated on behalf of SNAP skimming victims for years. “It’s frustrating and, frankly, very confusing that they don’t view this as a priority.”Despite the directive expiring, SNAP skimming continues to be a pervasive problem. Sen. Ron Wyden, D-Ore., proposed a bill in March that would require chip-enabled SNAP EBT cards and other safeguards, but the bill has yet to advance.

Persons: ”, “, Ruppersberger, Biden, Sen, Ron Wyden, ” Wyden, Daniel Acker, Cindy Long, ” Long, Ashley Burnside, ” Gina, Gina, Vicky Negus, Negus, ” Negus, “ It’s Organizations: Assistance, SNAP, U.S . Agriculture Department, C.A, state’s Department of Social Services, Oklahoma Human Services, Bloomberg, Getty, NBC News, USDA, for Law, Social, “ SNAP, Reform Institute, American, Human Services Association Locations: California, Oklahoma, Boston, Massachusetts, Washington ,

☆ Zelle says it's up to the police to stop scams
▼ + stars: | 2024-08-10 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +1 min

Federal authorities are investigating how banks reimburse consumers who are scammed on Zelle. Zelle says it should fall on law enforcement to stop the scammers. Go to newsletter preferences Thanks for signing up! download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementScams on payment apps like Zelle are getting so out of hand that federal authorities are starting to investigate.

Persons: —, JP, Wells Fargo, Zelle —, Sen, Richard Blumenthal, Blumenthal Organizations: Service, Consumer Financial Protection Bureau, JP Morgan, Bank of America, Investigations, Business Locations: Zelle

☆ Delta lashes out at CrowdStrike for its ‘vastly inadequate’ apology
▼ + stars: | 2024-08-08 | by ( David Goldman | ) edition.cnn.com time to read: +4 min

Boies, hired to lead Delta’s lawsuit against CrowdStrike, said the tech company was “grossly negligent” and was solely responsible for the outage. But Boies called Delta’s IT systems “world class” and claimed Delta’s outage lasted longer because it was so heavily reliant on CrowdStrike and Microsoft. He also disputed the companies’ claims that Delta turned down help and worked around the clock to bring Delta back online. “CrowdStrike also did not work “tirelessly” to help Delta restore its systems,” Boies said. CrowdStrike said Delta ignored its help, and Microsoft said Delta’s mismanagement contributed to the cancellations.

Persons: Delta’s, David Boies, CrowdStrike, Delta, Boies, ’ ”, misstatements, ”, ” Boies, “ CrowdStrike, “, “ CrowdStrike’s, George Kurtz, David DeWalt, DeWalt, Ed Bastian, ” Bastian Organizations: CNN, ” Delta, Microsoft, Delta, LinkedIn, CNBC, “, US Department of Transportation Locations: Delta

☆ Scam victims on Zelle rarely get their money back. A new bill could fix that
▼ + stars: | 2024-08-02 | by ( Matt Egan | ) edition.cnn.com time to read: +6 min

Bank transfer or payment fraud losses spiked by nearly 150% over that span to $1.9 billion. The big banks that run Zelle in particular “rarely” reimburse customers duped by scammers, according to a recent Senate investigation. So Democrats in Congress are introducing new legislation that would seek to crack down on payment scams by closing loopholes in existing law. For instance, Zelle says that while customers hurt by unauthorized activity are “typically” able to get their money back, victims of scams may not. Under pressure from lawmakers, last year banks on Zelle began refunding some victims of imposter scams.

Persons: scammers, Maxine Waters, Sens, Richard Blumenthal, Elizabeth Warren, ” Blumenthal, “ Zelle, Zelle, Wells, ” Zelle, ” Ariana Duval, Duval, “, ” Duval, Cameron Fowler, EWS, ” Fowler, Fowler, he’s “, ” Organizations: New, New York CNN, Consumers, Bank, Republican, Rep, Senate, CNN, Homeland Security, Governmental Affairs, Investigations, Blumenthal, JPMorgan, Bank of America, North Carolina Agricultural, Technical State University, PayPal, Warning, Connecticut Democrat Locations: New York, Wells Fargo, Zelle, Connecticut

Top Military Banks of 2024Compare the Best Military Banks and Credit UnionsThe best military banks and credit unions offer benefits to military members and their families. Competitive Rates and Low FeesThe best military credit unions and banks, just like the best credit unions and banks for civilians, offer great rates and low fees. The Best Military Banks and Credit Unions FAQsWhat advantages do military banks and credit unions offer over civilian banks? Military banks and credit unions provide services that address the challenges military members experience. For our guide we looked at military banks, military credit unions, and financial institutions that aren't specifically for the military but have products geared toward military members.

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Best Banks for Avoiding ATM Fees of 2024Axos Bank: Best online bank for avoiding domestic ATM feesConnexus Credit Union: Best credit union for avoiding domestic ATM feesChase Bank: Best national bank for avoiding domestic ATM feesCharles Schwab: Best institution for avoiding international ATM feesTD Bank: Best regional bank for avoiding domestic ATM feesBetterment: Best online banking platform for avoiding domestic ATM feesCompare the Top Banks for Avoiding ATM FeesThe best banks for avoiding bank ATM fees have free regional or national ATM networks, so you won't be charged for using an ATM. Here are the best banks for avoiding ATM fees as picked by Business Insider editors in 2024. up to $500 Pros Check mark icon A check mark. You could also refer to the schedules of fees document to review ATM fees and ATM withdrawal limits." Methodology: How Did We Choose the Best Banks for Avoiding ATM Fees?

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Kevin Levu faces unpredictable dangers during his nursing shifts, including the risk of being stabbed or beaten. A travel nurse, Levu works at Pelican Bay State Prison, which is home to some of the most violent inmates in California. Being a travel nurse "provides a lot of freedom in my life," he says. Zoom In Icon Arrows pointing outwards Kevin Levu in the army. "Kevin Levu at home.

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☆ California top court upholds ballot measure treating Uber, Lyft drivers as independent contractors
▼ + stars: | 2024-07-25 | by ( ) edition.cnn.com time to read: +3 min

Reuters —California’s top state court on Thursday upheld a measure approved by voters allowing app-based services such as Uber and Lyft to consider drivers in the most populous U.S. state as independent contractors rather than as employees entitled to greater benefits. Whether gig workers should be treated as employees or contractors is a crucial issue for the ride-service industry. California is just one front in a nationwide legal battle over the classification of gig drivers and other contract workers. In June, Uber and Lyft agreed to adopt a $32.50 hourly minimum wage for drivers in Massachusetts and pay $175 million to settle a lawsuit by the state claiming they improperly treated drivers as independent contractors. A proposal that would allow app-based drivers to unionize will go before voters in the state in November.

Persons: Reuters —, Lyft, Uber, “, Tia Orr, ” Organizations: Reuters, Service Employees International Union, SEIU, Employees, California Supreme Locations: U.S, California, SEIU California, Minnesota, Minneapolis, Massachusetts

Compare the Top Bank Accounts for College StudentsWe researched over a dozen banks to find the best checking accounts and savings accounts for college students. Determine if you want a bank account specifically for college students or a standard bank account. The bank account agreement shares details about the bank account, like the opening requirements, minimum balance requirements, and interest rate. Best Bank Accounts for College Students FAQsWhat makes a bank account student-friendly? We researched more than a dozen bank accounts at brick-and-mortar banks, online banks, credit unions, and online banking platforms to find the strongest bank accounts ideal for college students.

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☆ What Delta passengers are entitled to in terms of compensation
▼ + stars: | 2024-07-23 | by ( Marnie Hunter | ) edition.cnn.com time to read: +7 min

And some weary, frustrated passengers were still trying to reconstruct travel plans or abandon them for compensation. Here’s what we know about what they’re entitled to and how passengers can make claims with the airline. What are Delta passengers entitled to? Delta lists a “right to a refund upon request” in a Monday afternoon update on what it’s doing to serve affected customers. Some passengers reported six-hour waits, and many affected passengers had trouble securing food and lodging over the weekend.

Persons: Pete Buttigieg, “, ” Buttigieg, Buttigieg, ”, ” Delta, CNN’s Chris Isidore, Isabel Rosales, Amanda Musa Organizations: CNN, Delta Air Lines, Department of Transportation, Delta, of Transportation, Transportation, Delta’s, Atlanta’s Hartsfield, Jackson, “, ”, USDOT, Baggage Service, Service, Command Locations: Delta, Atlanta

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